Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14083672
Complaint Overview
Complaint ID: 14083672
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Texas
ZIP Code: 75093
Date Received: 2025-06-14T12:00:00-05:00
Date Sent to Company: 2025-06-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to dispute multiple unauthorized or inaccurately reported XXXX inquiries that have XXXX impacted my credit profile. I have never given explicit, written consent for these companies to access my credit file as required under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( c ). Despite repeated disputes with the credit bureaus, these inquiries remain unresolved. These XXXX inquiries are XXXX my XXXX XXXX and were either made without my permission, without a legitimate permissible purpose, or are listed in error or duplication. Below are the specific inquiries I am disputing : Disputed Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX o Issue : No authorization or credit application was submitted to XXXX XXXX XXXX XXXX on or around this date. o FCRA Violation : XXXX XXXX XXXX XXXX ( a ) No permissible purpose was granted for this inquiry. XXXX XXXX XXXX XX/XX/XXXX o Issue : I did not authorize XXXX XXXX to access my credit report. No application was made with them. o FCRA Violation : XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) The inquiry lacks legal basis without a consumer-initiated transaction. XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Possible duplicate of XXXX XXXX XXXX XXXX ) o Issue : This appears to be a duplicate inquiry for the same creditor as listed above. Multiple pulls on the same day are unjustified. o FCRA Violation : XXXX XXXX XXXX XXXX ( a ) ; also, duplicate reporting violates XXXX ( a ). XXXX. XXXX XXXXXX/XX/XXXX o Issue : No credit application or account inquiry was authorized with XXXX XXXX XXXX XXXX. o FCRA Violation : FCRA XXXX ( a ) ( XXXX ) No legitimate business need exists under the law. XXXX. XXXX XXXX XXXX Issue : I did not apply for credit from XXXX on this date. This inquiry is unauthorized. o FCRA Violation : XXXX XXXX Code XXXX ( c ) ( XXXX ) ( A ) No written authorization for a firm offer of credit was given. XXXX. XXXX XX/XX/XXXX o Issue : I never submitted a credit application to XXXX XXXX XXXX authorized this inquiry. o FCRA Violation : FCRA XXXX ( a ) ( XXXX ) ( F ) ( i ) Inquiry lacks a valid consumer relationship or account initiation. Laws Violated : FCRA XXXX [ XXXX U.S.C. XXXX ] Credit reports XXXX only be accessed with a permissible purpose and consumer authorization. FCRA XXXX [ XXXX XXXX. XXXX ] XXXX has the right to dispute inaccurate information and have it investigated. FCRA XXXX [ XXXX XXXX. XXXX ] Willful or negligent noncompliance with the FCRA can XXXX in XXXX XXXX Requested : XXXX deletion of all the unauthorized or erroneous XXXX inquiries listed above from my credit reports with XXXX XXXX XXXX A formal investigation into how these inquiries were initiated without my consent. Written confirmation of results from each credit bureau and a copy of the revised credit report. If these inquiries are found to be fraudulent, notify the furnishers and restrict further access to my credit file. Attached Supporting Documents : Copy of my photo ID Copy of proof of address Highlighted credit report showing disputed inquiries Thank you for your attention to this serious matter. I trust that your office will ensure my rights under federal law are upheld.
Frequently Asked Questions
What is Complaint #14083672 about?
Complaint #14083672 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-14T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.